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Walla Walla County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Walla Walla County, Washington based on real HMDA transaction records.

Loan Details

Walla Walla County, WA Benchmarks

FHA averages
Typical Property Value$398,416
Average Down Payment9.1%
Average Interest Rate6.289%
Effective Tax Rate0.85%
Median Tax Paid$3,492/yr
Tax Growth (Historical)0.0%
Based on 161 regional loans totaling $57,055,000 (HMDA database).
$
%

$36,256 down · $362,160 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$282 / month

$

Annual premium

$

Per month

%

$154 / month

Estimated Monthly Payment

$2,864/mo

  • Principal & Interest$2,279
  • Property Tax$282
  • Home Insurance$150
  • FHA MIP$154
Amortization · Remaining Balance

Financed Loan Amount

$368,498

Total Interest

$451,762

Total of Payments

$820,260

*Includes financed FHA Upfront MIP of $6,338

Local Market Insights

Walla Walla County FHA Mortgage Overview

For Walla Walla County homebuyers utilizing an FHA loan, the 9.10% average down payment and 90.90% loan-to-value ratio create accessible entry. However, mandatory Mortgage Insurance Premiums (MIP) are required for the life of the loan, regardless of equity built, making this ideal for buyers with sub-620 credit scores. The effective property tax rate of 0.85% with a 0.0% inflation-adjusted change provides stable monthly cost projections. With 100% primary occupancy, this data reflects owner-occupied purchases. Understanding these FHA loan down payment and property tax dynamics is critical when evaluating Walla Walla County FHA mortgage affordability.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.